| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.2 pts |
| Loan growth (YoY) | +4.6% | -2.4% | +6.9 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.2M | $50.1M | $40.5M | $5.6M | $10K | 0.07% | 3.59% | 1.94% | 6,274 |
| Q4 2025 | $54.9M | $47.5M | $41.0M | $5.6M | $96K | 0.18% | 3.90% | 2.40% | 6,590 |
| Q3 2025 | $55.3M | $47.3M | $41.3M | $5.6M | $132K | 0.32% | 3.92% | 2.05% | 7,348 |
| Q2 2025 | $55.0M | $46.6M | $41.3M | $5.5M | $37K | 0.14% | 3.98% | 0.69% | 7,297 |
| Q1 2025 | $54.3M | $45.6M | $38.7M | $5.5M | $35K | 0.26% | 3.94% | 0.35% | 7,160 |
| Q4 2024 | $54.3M | $46.4M | $38.6M | $5.5M | $190K | 0.35% | 3.80% | 2.01% | 7,125 |
| Q3 2024 | $53.6M | $45.0M | $37.5M | $5.5M | $215K | 0.54% | 3.86% | 2.00% | 7,227 |
| Q2 2024 | $53.7M | $45.0M | $37.1M | $5.4M | $67K | 0.25% | 3.68% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,125 |
Loan mix (Q1 2026): real estate $25.0M · commercial $7.1M · consumer $3.3M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 81.5% | 73rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (-1 vs 2024). Biggest market: Kings, NY, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 2 | $46.6M* | 0.07% | 35th |
New York: 289th with 0.00% · New York-Newark-Jersey City metro: 197th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 2